It seems kinda dumb to me that a clumsy person is easier to hit than anyone else when they don't know the attack is coming. If you have a low Dexterity, do you still apply its penalty to your AC when being attacked flat-footed or do you lose your penalty just as people with high Dex lose their bonuses in these situations. The AC to hit someone who is flat-footed is 10 (armor notwithstanding). If you have a low dexterity, then, you are easier to hit than someone with average dexterity because you aren't as good at avoiding blows. Now, the base AC of any given thing is 10 before any modifiers.
We also know that, just as high Dex scores give bonus AC, low Dex scores give a penalty. Okay, most (probably all) of us know how AC works.
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